Here's a good reason to ditch Click and Buy. I just found this on their site:
When do the fees have to be paid?
Here is a breakdown of all fees that can be incurred when using our special services.
* Risk premium for payments via credit card
Depositing money on your ClickandBuy account using a credit card is associated with greater risk for ClickandBuy. For this reason, we add a risk premium of 3.9 % to the value of the transaction.
The following payment methods are not associated with any risk for ClickandBuy: direct debit, online banking transfer and transfer. For this reason, no fee is charged using these payment methods.
* Risk premium for disbursements to an unconfirmed bank account
Disbursements from your ClickandBuy account to an unconfirmed bank account are associated with greater risk for ClickandBuy. For this reason, we add a risk premium of 1.50 USD to the value of the transaction.
> Important note: This fee is only charged in countries in which the confirmation of bank accounts is possible (Germany, for example). Countries in which it is not possible to register bank accounts with ClickandBuy and thus to confirm them, are naturally not subject to this fee.
Disbursements to a confirmed bank account are – usually – not associated with any risk for ClickandBuy. For this reason, no service fee is charged using when disbursements are made.
They want a 3.9% service fee for paying with a credit card! Click and Buy account closed. Going with Crysta -> Ultimate Pay -> PayPal
Um, so you are saying that if I use a CC on CaB that it takes money out of my CC account? I just don't think that is how it works unless I want to have a running balance through CaB.
I figured that if I set up my CC to be billed it (CaB) would take out the monthly payment from my card and then give it to SE... I really just do not see them taking my CC and making a balance on their site without me agreeing to it every time they do it.
I set up my CC this morning via CaB and I wasn't told I had to verify ANYTHING. The website just told me that I was verified and my payment method was suuccessfully recorded.
Also, the way I see it... the 3.9% fee is only for the people who WANT a balance with CaB, and not the people who just want to pay monthly.
I could be wrong, but I would have to see some clarifying announcement via SE on this before I would just read CaB's site and automatically think bad thoughts.
I do not want to have to have any company gather up funds (and hold the funds) from my bank account (CC) on a monthly basis in order to pay another company. And paying Paypal so they can pay the other place so they can pay for some Crysta crap is just stupid too.
My concern is... if I wanted to pay for an extra character ($3/month)... do I have to use Crysta or can I just use the CC...